See how stress distributes across a rectangular cross-section under axial, bending, and combined loading.
Imagine slicing through a beam at a single point and looking at the exposed face. The stress diagram shows the intensity of internal force (stress) at every fiber across the depth. Under axial load it's uniform. Under bending it varies linearly — maximum at the extremes, zero at the center. Combined loading shifts and skews the distribution.
The neutral axis is the depth at which bending stress transitions from compression to tension — stress is zero there. For a symmetric section under pure bending, the neutral axis is at the centroid (mid-depth). When axial load is added, the neutral axis shifts toward the tension side because compression is now biased by the axial stress. If the axial load is large enough, the entire section goes into compression and the neutral axis moves outside the section entirely.